Hard Money Financing

Hard Money Capital That Moves at Deal Speed

Close in as little as 48 hours with flexible, asset-based hard money financing built for real estate investors — not homeowners.

$3B+Total Funded
7,500+Loans Closed
48hrsAvg Close Time
2011In Business Since

Why Veristone Hard Money

Built for Speed and Flexibility

Close in 48 Hours

In-house underwriting means no third-party delays. We fund on your timeline.

Flexible Terms

Interest-only payments with terms from 1 to 24 months, structured around your exit.

Direct Lender

Every decision is made in-house. You talk directly to the people who approve your loan.

Program Terms

Hard Money Loan at a Glance

Rate Range

9–12%

Max LTV

80%

Loan Term

1–24 mo

Loan Size

$100K–$5M

Eligible Property Types

  • Single Family
  • Multi-Family
  • Mixed-Use
  • Commercial

Key Highlights

  • Close in 48 hours
  • Interest-only payments
  • No prepayment penalty

Simple Process

Get Funded in 3 Steps

1

Submit Your Deal

Fill out a short form with basic property and loan details. No lengthy paperwork upfront.

2

Get a Term Sheet

A loan officer reviews your deal and follows up the same day with terms and next steps.

3

Close in 48 Hours

Once approved, we move fast. Most hard money loans close within 48 hours of final approval.

No Credit Impact

Pre-Qualify in Minutes

Our team will reach out with a term sheet tailored to your deal — no obligation, no runaround.

Program Benefits

Everything You Get with Hard Money Loans

Built for real estate investors who need speed, flexibility, and a lender that understands the deal.

Close in 48 Hours

In-house underwriting and direct lending means no waiting on third-party approvals.

Interest-Only Payments

Minimize monthly carry costs while you execute your exit strategy.

No Prepayment Penalties

Pay off early and save on interest without hidden fees.

Asset-Based Underwriting

We evaluate the deal, not just your W-2 or credit score.

Entity & Individual Borrowers

LLCs, partnerships, and individual investors all welcome.

Cross Collateralization

Leverage equity in other properties to strengthen your deal.

Loan Programs

Financing for Every Strategy

Bridge Loans

Short-term financing for acquiring properties quickly with flexible terms and fast approval.

Rate9-12%
Max LTV75%
Term12-24 months
Property Types
Single FamilyMulti-FamilyCommercial
  • Quick approval process
  • No prepayment penalties
  • Cash-out options available

Fix & Flip Loans

Financing for renovation projects with short-term loans designed for investors who buy, renovate, and sell.

Rate9-12%
Max LTV90%
Term6-18 months
Property Types
Single FamilyCondoTownhouse
  • Up to 90% LTV
  • Interest-only payments
  • No income verification required

Construction Loans

Ground-up construction financing for residential and commercial projects from foundation to completion.

Rate9-12%
Max LTV80%
Term6-24 months
Property Types
Single FamilyMulti-FamilyMixed Use
  • Draw-based funding
  • Inspections required
  • Completion guarantees accepted

Fill out the form below and a loan officer will follow up with you shortly.

Is this loan for an owner-occupied property?

Fast closings · Flexible terms · Direct lender

Talk to a Loan Expert About Your Project

Whether you have a deal under contract or are still scoping an opportunity, we'd love to hear about it. No obligation, no runaround.

Get a Quick Quote

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Oregon Mortgage Broker License #5288. Idaho Mortgage Broker License #8640. Veristone Capital operates as Veristone Mortgage NWMLS: 1106440 in Oregon and Idaho. Investment loans made or arranged pursuant to these state licenses. This site is not authorized by the respective state departments of financial services for any other states.